Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description carries the full burden. It discloses that it returns MFN/provisional/agreement/preferential/general rates, which is useful behavioral information. However, it does not mention any limitations (e.g., only 2026 data, no historical years), potential errors, or whether it is read-only (though 'Search' implies read-only). It also includes an unclear 'dataset optional' phrase that does not map to the schema parameters.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.